Insurances for merchants

The idea is, that when an event is started that will mess you up
one way or the other, you could be magically insured against it.

For example you could insure your bank account for robbery,
against curses from pancreas, magic eater and such. You could
not be insured for an event after its started though.

The main usage for this would be for eq-parties that need
to go on for 12h uninterrupted. Or perhaps you need to deposit a
huge amount of gold to your account and dont want it to be robbed etc.

~/A